Yes, this is kind of a shameless self promotion, but the video and white paper are open access (no need to share any information to receive). There is also a carrier grid to show other carriers, but it may be dated as I put it together earlier this year.
I use gtl occasionally esp if they are sick and t65. I've paired it w plan F or G on occasion and the couple I've done make money off it every year bc they go in the hospital consistently when the weather changes. Pays for their Christmas gifts!
GTL $300/day up to 10 days is the one I usually write. People only have a copay for the 1st four days but end up getting a $3000.00 check for being in the hospital for 10 days or longer. Had it happen 4 times this year where client make about $1400 by being in the Hospital. That really pisses off their friends who say they don't pay anything when they go to the Hospital because they have the F plan. Ha
G Gordon...I'm not seeing your logic. Maybe you can help me understand so I won't mislead a client.
I had one this year that hit the 6000 out of pocket...and it killed their bank acct. Th logic of paying an extra $400/year and have had almost all that money paid back from an indemnity policy makes sense to me.
I never saw the logic of selling a plan and then adding on another policy (or two or three) to fill the gaps in the terrific coverage you sold them. Have yet to see a decent gap plan that is 100% foolproof.
If they need something to cover gaps they need a Medigap.
Of course the agent that peddles $0 premium MA then adds on other policies makes a lot more money than one that sells Medigap without additional policies.
I have plenty of clients who wish they could afford one. Perhaps I should be less logical and show them how eating ramen 6 nights a week - instead of just 3 - might allow them to realize this dream.
Personally, I would never even offer a MA...but some of these people are so strapped for cash that they cant afford anything else. A $40/month premium to keep them out of the poorhouse in the event of a hospital trip makes sense to me.